Visa Inc.

Visa Inc. (/ˈviːzə/ or /ˈviːsə/) (also known as Visa, stylized as VISA) is an American multinational financial services corporation headquartered in Foster City, California, United States.^[3] It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards.^[4] Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network (known as VisaNet) processed 100 billion transactions with a total volume of US$6.8 trillion.
Visa has operations across all continents worldwide with the exception of Antarctica. Nearly all Visa transactions worldwide are processed through VisaNet at one of two secure facilities: Operations Center East, located somewhere near Ashburn, Virginia; and Operations Center Central, located somewhere near Highlands Ranch, Colorado. Both data centers are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. Every transaction is checked past 500 variables including 100 fraud-detection parameters - such as the location and spending habits of the customer and the merchant's location - before being accepted.^[5][6]